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City · 12,654 residents · Ada County, Idaho

Garden City , Idaho

In Garden City, a typical home is worth $449,500 and typical rent is $1,323 a month. Compared with all of Ada County, typical household income is 23% lower, typical rent is 16% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $449,500

    12% below the county

    7% above Idaho

    • Garden City
    • Ada
    • Idaho

  • Typical rent

    $1,323a month

    16% below the county

    7% above Idaho

    • Garden City
    • Ada
    • Idaho

  • Typical household income

    $70,124a year

    23% below the county

    10% below Idaho

    • Garden City
    • Ada
    • Idaho

  • Households that own their home

    63%

    8 points below the county

    9 points below Idaho

    • Garden City
    • Ada
    • Idaho

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$474,076
1.2% less than 12 months ago
Typical rent
$1,930 a month
13.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Garden City is in Ada County. The FHA loan limit ($586,500 for a one-unit home), the fair market rents and the help on this page are those of all of Ada County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Garden City apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Garden City is $70,124, 23% less than in Ada County as a whole ($91,502).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Garden City fell 1.2%; in Idaho, it rose 2.2%.

  3. The typical rent in Garden City is $1,323 a month, 16% less than in Ada County as a whole ($1,577).

  4. 63% of households in Garden City own their home, against 71% in Ada County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Garden City

What homes there are in Garden City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Garden City, 5 in 10 homes are single-family detached houses; in Ada County, 7.

There are more mobile homes here than in Ada County: 14% of homes, against 3%.

Year built

The typical year built in Garden City is 1995, about the same as in Ada County (1997).

Homes in Garden City are smaller: 56% have 3 bedrooms or more; in Ada County, 73%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,667 a month

Ada County: $1,905 a month

Without a mortgage

$576 a month

Ada County: $546 a month

Owners with a mortgage

50%

Ada County: 67%

Owning costs less in Garden City: with a mortgage, the typical cost is $1,667 a month; in Ada County, $1,905. Without one, $576.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Ada County, the typical home value in Garden City rose 89% since 2015–2019.

Rents in Garden City rose more slowly than in Ada County: 46% since 2015–2019, against 59%.

The typical household income in Garden City rose 42%: less than home values (+89%) and rent (+46%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGarden CityAda CountyIdahoUnited States
Rental vacancy Unreliable estimate4.1%3.9%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate2.0%3.1%3.4%
People per household 2.192.492.642.53
Drive alone 70%69%73%69%
Carpool 8%7%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 18%19%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Garden City are smaller: 2.19 people on average; in Ada County, 2.49.

In Garden City, 70% of workers drive alone to work; in Ada County, 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Garden City?

A typical home costs more than the typical income allows

We start with a typical home in Garden City, worth $449,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Garden City, which is $70,124 a year. For that payment to be 28% of income, a household would need to earn about $153,998 a year.

The calculator's FHA and conventional loan limits are those of all of Ada County.

Your numbers

Local data
$

Starts at the typical home value in Garden City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,733 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,593

at 7.18% · 30 years

Loan amount
$441,358
Total interest
$635,011
Paid off in
November 2056

Includes $7,591 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,636 a month

  • Tight

    $1,636 to $2,104 a month

  • Hard

    more than $2,104 a month

    Your payment · 61%

Compared with the typical household income in Garden City ($70,124 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,593
Principal & interest$2,990
Property tax$217
Home insurance$187
FHA mortgage insurance (MIP)$199

You need at least $15,733 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Garden City and Ada County

Garden City is in Ada County, Idaho. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Garden City's own numbers

Typical home value
$449,500
Typical monthly rent
$1,323
Typical yearly household income
$70,124
Households that own their home
63%
Effective property tax rate
0.58%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ada County

FHA limit, one-unit home
$586,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,540
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ada County.

Everything about Ada County

Buying

Buying a home in Garden City

A typical home in Garden City is worth $449,500: 12% below the county and 7% above Idaho. With the typical household income in Garden City ($70,124 a year), a typical home costs 6.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Garden City 6.4 years
  • Ada 5.6 years
  • Idaho 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ada County

According to FHFA’s house price index, home prices in Ada County rose 152% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ada County.

Period County Idaho U.S.
Last year (2025) +2.7% +2.3% +2.9%
5 years (2020–2025) +48% +57% +47%
10 years (2015–2025) +152% +149% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Garden City next to Ada County, Idaho and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Garden City $449,500
  • Ada $512,300
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Garden City $1,323
  • Ada $1,577
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Garden City $70,124
  • Ada $91,502
  • Idaho $77,800
  • United States $80,734
See the full table
Garden City next to Ada County and Idaho
Measure Garden City Ada County Idaho U.S.
Typical home value $449,500 $512,300 $418,600 $332,700
Typical monthly rent $1,323 $1,577 $1,238 $1,413
Typical yearly household income $70,124 $91,502 $77,800 $80,734
Households that own their home 63% 71% 72% 65%
Typical yearly property tax $2,592 $2,655 $2,038 $3,119
Effective property tax rate 0.58% 0.52% 0.49% 0.94%
Renters with high rent for their income 54% 49% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ada County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Garden City

For a typical $449,500 home in Garden City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garden City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,593a month

    Least cash to close
    Down payment
    $15,733
    Cash to close
    $29,218
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $199

  • Conventional, 5% down $3,511a month

    Down payment
    $22,475
    Cash to close
    $35,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $214

  • Conventional, 20% down, no PMI $2,841a month

    Down payment
    $89,900
    Cash to close
    $103,385
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,256a month

    Down payment
    $67,425
    Cash to close
    $80,910
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Garden City and for Ada County.

Property tax

Effective rate in Garden City

0.58%of the home’s value each year

$2,592 a year for the typical owner in Garden City.

  • Garden City 0.58%
  • Ada 0.52%
  • Idaho 0.49%

What Idaho publishes Homeowner’s exemption (Idaho State Tax Commission)

Exemptions and deadlines in Idaho

Flood risk in Ada County

FEMA does not publish these numbers by city: they are for all of Ada County.

Homes in the high-risk zone
2.4%
3,840
Of those, with NFIP insurance
25%
County Idaho U.S.
Homes in the high-risk zone 2.4% 2% 3.5%
Of those, with NFIP insurance 25% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Garden City

Typical rent in Garden City is $1,323 a month: 16% below the county. In Garden City, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ada County, by unit size. To pay the 2-bedroom one ($1,540 a month) without spending more than 30% of your income, you would need to earn $29.62 an hour working full time.

HUD fair market rent for all of Ada County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,152 $22.15 $46,080
1 bedroom $1,295 $24.90 $51,800
2 bedrooms $1,540 $29.62 $61,600
3 bedrooms $2,132 $41.00 $85,280
4 bedrooms $2,574 $49.50 $102,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Garden City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garden City is in ZIP code 83714.

For 2 bedrooms it is $1,550: $10 more than the fair market rent for Ada County ($1,540).

  • 83714 $1,550$2,150

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garden City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Garden City

HUD lists 3 buildings with rents for lower incomes in Garden City. These are the largest.

  • Mallard Pointe 503 E 50th St, Garden City 83714 158 homes, 157 low-income · Studio: 20 · 1 bd: 133 · 2 bd: 5 · In service since 2000 · For older adults
  • Trailwinds (THE) 415 E 42nd St, Garden City 83714 64 homes, 57 low-income · 1 bd: 10 · 2 bd: 38 · 3 bd: 16 · In service since 2015 · For families
  • Shannon Glen at Riverside 10140 W Charlie Ln, Garden City 83714 72 homes, 56 low-income · 2 bd: 24 · 3 bd: 36 · 4 bd: 12 · In service since 2002 · For families

See all 58 buildings in Ada County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Garden City

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 5 HUD-approved agencies with an office in Ada County; 3 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Garden City

No down payment, repair or rent-help program on our list is for Garden City or Ada County. The ones below are statewide in Idaho: they work in Garden City the same as in the rest of the state.

Which programs do I qualify for? All programs in Idaho

Housing counselors near Garden City

The HUD-approved agencies closest to the center of Garden City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Debt Reduction Services, Inc. DBA Money Fit

    6213 N Cloverdale Rd, Boise · 2 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (877) 688-3328

  • Neighborhood Housing Services Inc DBA Neighborworks Boise

    3380 W Americana Ter Ste 120, Boise · 5 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (208) 343-4065

  • Jesse Tree

    1121 W Miller St, Boise · 6 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (209) 383-9486

Every agency in Ada County All counseling agencies in Idaho

Help in Spanish near Garden City

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Garden City

HUD’s record names them for Garden City or Ada County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Ada County Housing Authority Public housing and Section 8 vouchers (208) 345-4907

2 other authorities have an office in Ada County: see the list Source: HUD

Cities

Other cities in Ada County

These cities are also in Ada County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ada County Housing in Idaho

Nearby cities

The cities closest to Garden City, with the typical home value.

Neighboring counties

If Ada County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Garden City.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Garden City

Short answers with the numbers for Garden City and all of Ada County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Garden City?

The typical home value in Garden City is $449,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ada County it is $512,300.

How much does it cost to rent in Garden City?

Typical rent in Garden City is $1,323 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ada County is $1,540.

What is the FHA loan limit in Garden City?

Garden City uses the FHA limit for all of Ada County (2026): $586,500 for a one-unit home and $1,127,900 for a four-unit home.

How much property tax do owners pay in Garden City?

The typical homeowner in Garden City pays $2,592 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Ada County, the rate is 0.52%.

Where can I find free help to buy or rent in Garden City?

There are 5 HUD-approved counseling agencies with an office in Ada County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).